Re: [Cal_Boats] insurance rates

AMICA is who my Dad has our CAL 21 insured with, and both his cars, and houses, and I have my car insured with them. I can't complain! Rod Johnson, "NODROG" 1970 CAL 21 Hull# 285 On Mon, 7 Apr 2008 12:39:34 -0700 (PDT) Kevin O <fi… [at] yahoo.com> writes: Eric, I forget what my rate is right now but I think $300? I priced Progressive among others last year and found AMICA was by far the best price and a very good rating. I am on an "agreed value" plan and they did try to raise the value this year. They said they "just wanted look out for me and to make sure I had enough coverage" How nice, Not! Just my $.02 Kevin O Kona Cal-31 Las Vegas Eric Jackson <er… [at] mac.com> wrote: I just received my new insurance rates for my CAL 29, it seems to have almost doubled since last year.. I have been with progressive for 3 years now and i always paid $204 a year for my insurance. Now they are saying $383 for the same insurance..? Has anyone else had this happen to them? I have never made a claim or been involved in any accident whatsoever. So im wondering what happened? I just wanted to see if anyone else was dealing with the same before I call them. Also, does anyone suggest a better carrier if this becomes a problem? Thanks for the help Cheers eric jackson BAREFOOT 1971 CAL 29 CHANNEL ISLANDS CA. ps.. great to have you back rog.. You rock. That's why Blockbuster's offering you one month of Blockbuster Total Access, No Cost.

Hey Eric, How is life treating you these days? I also have Progressive insurance, but pay closer to $500. Even $383 sounds like bargain to me. I have an agreed value of $20,000 Daniel Casey "AirTime" Cal 9.2R #75 Santa Barbara **************Planning your summer road trip? Check out AOL Travel Guides. (http://travel.aol.com/travel-guide/united-states?ncid=aoltrv00030000000016)

I used AAA in Nevada and it cost $100/yr for liability on a 1969 Cal-25. Mike ai… [at] aol.com wrote: > > Hey Eric, How is life treating you these days? > I also have Progressive insurance, but pay closer to $500. Even $383 > sounds like bargain to me. I have an agreed value of $20,000 > > > > Daniel Casey > "AirTime" > Cal 9.2R #75 > Santa Barbara > > > > ------------------------------------------------------------------------ > Planning your summer road trip? Check out AOL Travel Guides > <http://travel.aol.com/travel-guide/united-states?ncid=aoltrv00030000000016>. >

Whew. Since I went from a 16 ft runabout last year to a Cal 31` with no sailing experience I had a tough time finding an insurance company. Ended up with Zurich Insurance through a broker on the condition that I first "train" with an "expert" sailor and get his written recommendation first. Ended up sailing with my brother-in- law (Alberg 37). He had to send a sailing resume to the broker. After we sailed a half dozen times, and he was comfortable with my level of safety and competence my "sen-sei" signed off on me......Anyway....$750 a year on $28k. I think I'll shop around now that I have some experience under my sails. Bob Connell Jollygood! Cal 31 Olympia, WA Mike <mi… [at] wahini.org> wrote: I used AAA in Nevada and it cost $100/yr for liability on a 1969 Cal-25. Mike ai… [at] aol.com wrote: > > Hey Eric, How is life treating you these days? > I also have Progressive insurance, but pay closer to $500. Even $383 > sounds like bargain to me. I have an agreed value of $20,000 > > > > Daniel Casey > "AirTime" > Cal 9.2R #75 > Santa Barbara > > > > ---------------------------------------------------------- > Planning your summer road trip? Check out AOL Travel Guides > <http://travel.aol.com/travel-guide/united-states?ncid=aoltrv00030000000016>. > --------------------------------- You rock. That's why Blockbuster's offering you one month of Blockbuster Total Access, No Cost.

Thanks for the responses guys... Kevin and Rodney, i will certainly look into that AMICA. Sounds like they have a good plan. Mike, the AAA plan sounds like a good deal also, I didnt even know they did sailboats.. Bob, that plan sounds high to me, but it depends on your coverage. I have much less than you I think.. You sure had to do a lot of work to get that insurance.. Dan, life has been good.. not sailing as much as I should be. I need a trip to the islands in a bad way... when we gonna do that? Im ready to go.. lets get this together.. how are you doing? my progressive coverage is- $300,000 "liability to others" per incident and uninsured boater. $5,000 medical per person this was the lowest insurance you could possibly get.... and I was paying $204 a year. they brought it up to $383. this coverage is only for the other party, so I have no coverage on my own boat. I dont mind that, if its cheap.. but if I have to pay a bunch more I want to put coverage on my boat as well.. I called them yesterday and they told me "we have adjusted our rates for California" and thats about all she could tell me..? I think thats a bit much of an adjustment.. I told them I was going to shop around and find a better rate. I cant justify staying with them after they nearly doubled my rate.. Cheers eric jackson BAREFOOT 1971 CAL 29 CHANNEL ISLANDS CA.

Eric, My coverage for "Western inland waters" Boat $20k $300k liability $5k per person $300k unisured boater $308 per year KO Eric Jackson <er… [at] mac.com> wrote: Thanks for the responses guys... Kevin and Rodney, i will certainly look into that AMICA. Sounds like they have a good plan. Mike, the AAA plan sounds like a good deal also, I didnt even know they did sailboats.. Bob, that plan sounds high to me, but it depends on your coverage. I have much less than you I think.. You sure had to do a lot of work to get that insurance.. Dan, life has been good.. not sailing as much as I should be. I need a trip to the islands in a bad way... when we gonna do that? Im ready to go.. lets get this together.. how are you doing? my progressive coverage is- $300,000 "liability to others" per incident and uninsured boater. $5,000 medical per person this was the lowest insurance you could possibly get.... and I was paying $204 a year. they brought it up to $383. this coverage is only for the other party, so I have no coverage on my own boat. I dont mind that, if its cheap.. but if I have to pay a bunch more I want to put coverage on my boat as well.. I called them yesterday and they told me "we have adjusted our rates for California" and thats about all she could tell me..? I think thats a bit much of an adjustment.. I told them I was going to shop around and find a better rate. I cant justify staying with them after they nearly doubled my rate.. Cheers eric jackson BAREFOOT 1971 CAL 29 CHANNEL ISLANDS CA. --------------------------------- You rock. That's why Blockbuster's offering you one month of Blockbuster Total Access, No Cost.

I pay about $390/yr for my Cal-36, valued at about 33k, through State Farm - same agent as I go through for my auto insurance. I hadn't even thought about trying them until I had been rejected by half a dozen other companies. Most insurance companies hemmed and hawed about a boat more than 25 years old - and when I said it was in Alaska you could almost hear them start laughing.. State Farm didn't care how old it was - all they wanted was a current survey. aJ

Just add a zero to the premium for the same coverage if you live in Florida. Randy --- In Ca… [at] yahoogroups.com, Kevin O <first4banger@...> wrote: > > Eric, > My coverage for "Western inland waters" > Boat $20k > $300k liability > $5k per person > $300k unisured boater > > $308 per year > > KO > > Eric Jackson <ericjacksonphoto@...> wrote: > Thanks for the responses guys... > > > Kevin and Rodney, i will certainly look into that AMICA. Sounds like they have a good plan. > > > Mike, the AAA plan sounds like a good deal also, I didnt even know they did sailboats.. > > > Bob, that plan sounds high to me, but it depends on your coverage. I have much less than you I think.. You sure had to do a lot of work to get that insurance.. > > > Dan, life has been good.. not sailing as much as I should be. I need a trip to the islands in a bad way... when we gonna do that? Im ready to go.. lets get this together.. > how are you doing? > > > my progressive coverage is- > $300,000 "liability to others" per incident and uninsured boater. > $5,000 medical per person > this was the lowest insurance you could possibly get.... > and I was paying $204 a year. they brought it up to $383. > this coverage is only for the other party, so I have no coverage on my own boat. > I dont mind that, if its cheap.. but if I have to pay a bunch more I want to put coverage on my boat as well.. > > > I called them yesterday and they told me "we have adjusted our rates for California" and thats about all she could tell me..? I think thats a bit much of an adjustment.. I told them I was going to shop around and find a better rate. I cant justify staying with them after they nearly doubled my rate.. > > > Cheers > eric jackson > BAREFOOT > 1971 CAL 29 > CHANNEL ISLANDS CA. > > > > > > > > > --------------------------------- > You rock. That's why Blockbuster's offering you one month of Blockbuster Total Access, No Cost. >

im checking them now.. thanks eric jackson On Apr 8, 2008, at 10:22 AM, Kevin O wrote: > > Eric, > My coverage for "Western inland waters" > Boat $20k > $300k liability > $5k per person > $300k unisured boater > > $308 per year > KO > > Eric Jackson <er… [at] mac.com> wrote: > Thanks for the responses guys... > > Kevin and Rodney, i will certainly look into that AMICA. Sounds > like they have a good plan. > > Mike, the AAA plan sounds like a good deal also, I didnt even know > they did sailboats.. > > Bob, that plan sounds high to me, but it depends on your coverage. > I have much less than you I think.. You sure had to do a lot of > work to get that insurance.. > > Dan, life has been good.. not sailing as much as I should be. I > need a trip to the islands in a bad way... when we gonna do that? > Im ready to go.. lets get this together.. > how are you doing? > > my progressive coverage is- > $300,000 "liability to others" per incident and uninsured boater. > $5,000 medical per person > this was the lowest insurance you could possibly get.... > and I was paying $204 a year. they brought it up to $383. > this coverage is only for the other party, so I have no coverage on > my own boat. > I dont mind that, if its cheap.. but if I have to pay a bunch more > I want to put coverage on my boat as well.. > > I called them yesterday and they told me "we have adjusted our > rates for California" and thats about all she could tell me..? I > think thats a bit much of an adjustment.. I told them I was going > to shop around and find a better rate. I cant justify staying with > them after they nearly doubled my rate.. > > Cheers > eric jackson > BAREFOOT > 1971 CAL 29 > CHANNEL ISLANDS CA. > > > > > You rock. That's why Blockbuster's offering you one month of > Blockbuster Total Access, No Cost. > >

i looked into farmers, thats who my car and renters insurance is through. i have been with them for 12 years. but they were much more.. they had the old boat thing too, as well as anything over 25' is a yacht and valued much higher. eric jackson BAREFOOT 1971 CAL 29 CHANNEL ISLANDS CA. On Apr 8, 2008, at 10:39 AM, aJ wrote: > I pay about $390/yr for my Cal-36, valued at about 33k, through > State Farm - same agent as I go through for my auto insurance. I > hadn't even thought about trying them until I had been rejected by > half a dozen other companies. Most insurance companies hemmed and > hawed about a boat more than 25 years old - and when I said it was > in Alaska you could almost hear them start laughing.. > > State Farm didn't care how old it was - all they wanted was a > current survey. > > aJ > >

Many "standard" car/home insurers (e.g., State Farm, Geico) now do boat policies. Some do not have survey requirements depending on value requested for boat. Surveys are expensive. Being as we mostly have old CALs, I'm always more concerned about liability and lawyers than I am about boat value. Cheers Charlie From: Ca… [at] yahoogroups.com [mailto:Ca… [at] yahoogroups.com] On Behalf Of Eric Jackson Sent: Tuesday, April 08, 2008 1:52 PM To: Ca… [at] yahoogroups.com Subject: Re: [Cal_Boats] insurance rates (Eric) im checking them now.. thanks eric jackson

Eric Jackson wrote: > > i looked into farmers, thats who my car and renters insurance is through. > > i have been with them for 12 years. > but they were much more.. they had the old boat thing too, as well as > anything over 25' is a yacht and valued much higher. I'm just catching up on e-mail and have followed this insurance thread. This seems like an opportunity for some sailor with insurance-industry experience. It sounds like current insurors don't have much actual boat experience and thus they create categories that don't make much sense. Somebody who knows how people sail and use boats could probably make better risk predictions. My other boat is covered through my homeowner's insurance and they were willing to insure a 1961 boat when I produced a Power Squadron safety inspection sheet. Now yes, having fire extinguishers aboard and having my battery secured are good things, but what makes my boat safe is the years of maintenance and periodic upgrading of essential operating equipment. We have a locally based company, Hagerty Insurance, that specializes in old wooden boats and classic cars. It's a niche market and they seem to have brought some specialized knowledge to bear on the subject because they have expanded a lot. The same approach could be used for fiberglass boats. Whenever this thread comes up, you hear wildly divergent prices and insuring standards. Chris Campbell

Husar, Charlie [USA] wrote: > > Many "standard" car/home insurers (e.g., State Farm, Geico) now do > boat policies. Some do not have survey requirements depending on > value requested for boat. Surveys are expensive. Being as we mostly > have old CALs, I'm always more concerned about liability and lawyers > than I am about boat value. Well, since I'm a lawyer, I don't worry so much about my colleagues, but I do worry about liability because we engage in what's inherently more dangerous than staying at home and watching TV. We take our boats out into a hostile environment (it's colder than our bodies tolerate and we don't have gills) and we use a motive power that's usually associated with danger (wind). This is not a risk-free endeavor. It's why I wear my inflatable PFD a lot more now than when I was younger, and why I no longer scoff at the helmet when I'm iceboating. After gaining some maturity, you get a better perspective on risk and luck and danger. Charlie is right: our boats fall into the dime-a-dozen category, at least as compared with those new custom "daysailers" in the 75 foot range that you read about in the boating mags...the ones that cost more than my net worth. So it's not really the boat we're insuring, it's our other assets, protecting them against the possibility that we could do something that harmed somebody else and got us sued for it. Chris Campbell >